@Cheryla18 wrote:
@krielly wrote:You didn't mention your usage on your existing cards? What are your balances, if any?
VS Zero balance... Maurcies $220 balance & Masercard is maxed at $500. I will be paying half of the balance of the Maurices next week.
Glad krielly asked! I would get those balances paid down before doing anything 
All cards at $0 besides one showing less than 10% util.
@Cheryla18 wrote:
@krielly wrote:You didn't mention your usage on your existing cards? What are your balances, if any?
VS Zero balance... Maurcies $220 balance & Masercard is maxed at $500. I will be paying half of the balance of the Maurices next week.
this is your problem right there. Youre at 72% overall util with your 3 CC's reporting. $720/$1000=72% util. Thats killing your scores.
You want all your cards at a $0 bal, EXCEPT for one , and that ONE cc to report between 1-9% util. That alone will bring up your scores. Also, youre getting dinged by fico for having a maxxed at card. For your file that is so thin right now, you want to maximize as much as possible. I played this game for 6 months post BKas well. until you starting adding more cards to your file, which will automatically drop your overall util, you want to want the FICO game....
Once you get your Maurices card paid off like you said...that will drop your overall util down to 50% from 72%, and as you continue paying on that card, your util will come down, making your scores go up.
@pizza1 wrote:
@Cheryla18 wrote:
@krielly wrote:You didn't mention your usage on your existing cards? What are your balances, if any?
VS Zero balance... Maurcies $220 balance & Masercard is maxed at $500. I will be paying half of the balance of the Maurices next week.
this is your problem right there. Youre at 72% overall util with your 3 CC's reporting. $720/$1000=72% util. Thats killing your scores.
You want all your cards at a $0 bal, EXCEPT for one , and that ONE cc to report between 1-9% util. That alone will bring up your scores. Also, youre getting dinged by fico for having a maxxed at card. For your file that is so thin right now, you want to maximize as much as possible. I played this game for 6 months post BKas well. until you starting adding more cards to your file, which will automatically drop your overall util, you want to want the FICO game....
Once you get your Maurices card paid off like you said...that will drop your overall util down to 50% from 72%, and as you continue paying on that card, your util will come down, making your scores go up.
Good info. I will wait to app for any more CC and get these paid down.